Mortgages for HGV and delivery drivers
Mortgages for HGV and delivery drivers
HGV and delivery drivers can have pay that includes overtime, night allowances or agency work, and some are self-employed owner-drivers. Tony helps you understand how lenders may view your income and compares options from over 100 lenders.
Talk to TonyAt a glance
- Advice for HGV and delivery drivers
- Access to 100+ lenders and around 28,000 deals
- Rated 5.0 from 235+ Google reviews
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
How Tony can help HGV and delivery drivers
Overtime, allowances and agency or self-employed work can affect how lenders see your income. Tony helps you present it clearly.
What lenders may look at
- Employed drivers are usually asked for recent payslips, a P60 and employer details.
- Some lenders count a proportion of regular overtime and allowances.
- Agency work is often assessed using a track record.
- Owner-drivers are usually asked for accounts or tax calculations.
Meet your adviser
Hi, I'm Tony Flynn
I'm a mortgage and protection adviser based in Carluke, helping people across Lanarkshire and Scotland.
I've spent 15+ years in finance and have been named Mortgage Professional of the Year at the Prestige Awards Scotland five years in a row. I'll explain your options in plain English so you know exactly where you stand.
HGV and delivery drivers mortgage questions
Do lenders count overtime and night allowances?
Some lenders include a proportion of regular overtime and allowances where you can show them on payslips. Each lender has its own rules.
I drive through an agency. Can I get a mortgage?
Some lenders will consider agency work, often with a track record. Tony can search for the lenders that fit your circumstances.
I am a self-employed owner-driver. What will lenders want?
Lenders usually ask for accounts or tax calculations covering a period of time. Tony can explain what you may need.
Do you charge a fee for mortgage advice?
There may be a fee for mortgage advice. The amount depends on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed. We will explain this before you commit.
Can you help with protection as well as a mortgage?
Yes. Tony can also advise on life insurance, critical illness cover and income protection alongside your mortgage.
Related pages
More advice for people in similar situations.
Ready to talk it through?
A quick chat with Tony is a good first step. No jargon, no pressure.
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